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Finding the cheapest car insurance quotes in New Boston shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in New Boston
The car insurance rate in New Boston is $1456 for a six-month policy, which is $253 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $597, making it a popular choice for budget-conscious drivers. Rates in New Boston can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $597 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $748 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $826
for six months, making it
the third cheapest auto insurance company in New Boston.
New Boston Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in New Boston, MI is Travelers, offering policies at just $597 for a six-month term. This is followed by USAA, which has an average six-month premium of $748.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $985 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Boston drivers find the best deals.
Way's key takeaways about car insurance in New Boston
The auto insurance costs in New Boston fall around $597 for six
months.
The cheapest auto insurance company in New Boston is Travelers.
Teen drivers pay the highest rate in New Boston at $1169 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in New Boston
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in New Boston are given below.
Travelers provides
the cheapest minimum car insurance
coverage in New Boston. Their Average 6 Month Premium is $252.
Hastings Mutual is the most
expensive at $431 for the same
period.
Cheapest Full Coverage Car Insurance in New Boston
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in New Boston is Travelers
at $100 per month and $597
for six months.
Cheapest Full Coverage Car Insurance Quotes in New Boston,
MI
Get Your Car Insurance Quote in New Boston
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Average Car Insurance in New Boston by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in New Boston, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in New Boston, Michigan, may be increasing due to several external factors.
Michigan has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, New Boston's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in New Boston
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Chubb
$338
30s
USAA
$257
40s
USAA
$246
50s
USAA
$236
60s
Chubb
$215
70s
Chubb
$236
Cheapest Car Insurance Rates for Teen Drivers in
New Boston,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the New Boston at $50
per
month. At $7014 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties Chubb is
the best choice for car
insurance in New Boston.
As young drivers face the highest rates in New Boston, Chubb
offers the cheapest auto insurance rates at $338 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in New Boston,
Travelers is
the cheapest car insurance provider. At $482 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
New Boston is Farm Bureau Ins of MI, offering
rates of around $1523 for six
months.
Save up to $971/yr on car insurance rates in New Boston.
Car Insurance Rates with An Accident in New Boston
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In New Boston, MI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in New Boston
The cheapest car insurance companies after an at-fault accident in
New Boston include Chubb
and Westfield, offering $367
and $388,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$575.
Here is a list of driving violations that can increase your car
insurance rates in New Boston MI. For example, the car
insurance in New Boston
after a DUI increases to $2904 for a six
month policy. While the rate increases by $1581 for a six-month policy in the case of
a speeding ticket.
New Boston auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1581
$264
Failure to wear a seat belt
$1876
$319
Cell phone violation
$1990
$332
Texting while driving
$1990
$339
Illegal turn
$1998
$333
Wrong way/wrong lane
$1998
$340
Speeding in school zone
$2027
$338
Driving with expired registration
$2041
$347
Failure to stop at a red light
$2063
$344
Improper passing
$2063
$351
Speeding 16 - 20 MPH over limit
$2293
$382
Open container
$2702
$460
Driving with a suspended license
$3026
$505
Racing
$3902
$663
Reckless driving
$4241
$707
Leaving scene of an accident/hit and run
$4349
$739
DUI
$4485
$748
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in New Boston after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in New Boston.
The cheapest car insurance premiums in
New Boston are
offered by Chubb at $367 for a six-month policy.
However, it can be as
expensive as $11327 with companies
like Allstate.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in New Boston are offered by Westfield
at $316. However,
it can be as expensive as $14296
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in New Boston after Speeding ticket
Car Insurance Price Trends in New Boston,
Michigan
Car insurance rates in New Boston have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the New Boston dipped by
$324 in December
compared to $333 of November. In other words, there has been an decrease by $9 when you
compare December and November.
The average cost of liability insurance in the New Boston rose to $108 in December,
compared to $99 in November.
This represents an increase of $9
when comparing December and November.
Average Car Insurance Cost in New Boston by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
New Boston. At $2911 for a
six-month policy, insuring
your car at 48164 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in New Boston?
The car insurance in New Boston is $42 per month, which is lower than the national average.
What is the cheapest car insurance in New Boston?
The cheapest car insurance in New Boston
is $100 per month
for full coverage.
How much is car insurance in New Boston for teenagers?
Car insurance for teenagers costs $295 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
New Boston?
The average cost of car insurance is $1203 for a six-month
policy. It will cost around $244 per month to insure your
car in New Boston.
Is car insurance expensive in New Boston?
Car insurance can be expensive in New Boston if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in New Boston can be
affordable.
What is the best car insurance in New Boston,
MI?
The best car insurance company in New Boston
MI is
Travelers, offering $597 for a
six-month policy.
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New Boston Car Insurance
